Max Life Payor Rider (Waiver of Premium Benefit rider) UIN: 104B013V04
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1 Max Life Payor Rider (Waiver of Premium Benefit rider) UIN: 104B013V04 About Max Life Insurance Co. Ltd. Max Life Insurance, one of the leading non-bank promoted private life insurers, is a joint venture between Max India Ltd. and Mitsui Sumitomo Insurance Co. Ltd. Max India is a leading Indian multi-business corporate, while Mitsui Sumitomo Insurance is a member of MS&AD Insurance Group, which is currently amongst the top 10 general insurers in the world. Max Life Insurance offers comprehensive life insurance and retirement solutions for long-term savings and protection. A financially stable company with sound investment expertise, Max Life Insurance has a strong customer-centric approach focused on advice based sales and quality service. Max Life Payor Rider: Protect your family s future You are planning the future of your family. You have bought a life insurance policy which ensures the long term benefits for you and your family. But have you ever thought of who will take care of your responsibilities in case on an unforeseen event. Max Life Payor Rider is just the right solution for you. The rider ensures that in case of your death or total disability, all the future premiums of the policy will be waived and the life to be insured gets policy benefits as and when due. Max Life Payor Rider at a Glance Max Life Payor Rider Type of Rider Waiver of Premium Benefit rider Policy Term The term of this rider shall be equal to the premium payment term of base plan (remaining premium payment term in case of rider attachment during the policy term). If the premium payment term under the base plan goes beyond the maximum maturity age of 60 years, the term of this rider shall be restricted to the number of years remaining for the policyholder to attain the age 60 years last birthday. The term under this rider shall be subject to the minimum term of 5 years and maximum term of 40 years. Premium Payment Term (PPT) Available issue ages (Age Last Birthday) Maximum Maturity Age (Age Last Birthday) Expiry of the Rider Same as Rider Policy Term Minimum 20 years Maximum - 55 years 60 years The rider shall automatically terminate on the happening of any of the following events: Expiry of the premium payment term of the base policy Policyholder attaining age 60 If the base policy goes in to non forfeiture
2 Max Life Payor Rider Premium Modes Minimum/Maximum Premium If the rider is not revived within the revival period along with the base policy Same as base policy Based on the minimum and maximum premium under the Base Policy and any attaching rider. However, the rider premium shall, in no case exceed 30% of premiums payable under the base policy. Sum assured Grace Period Lapse and Revival Not Applicable Same as Base policy If the premium is not received before the expiry of the grace period, the rider will lapse. Once the rider has lapsed, it can only be revived within a revival period of three years from the due date of first unpaid premium (subject to a maximum of revival period allowed under the base plan). Further, the revival of the rider shall be subject to the following: Policyholder pays all overdue premiums with interest or a late fee as may be determined by the Company from time to time. Currently company charges a flat fees of o ` 100 for payment between 31 to 60 days from premium due date, o ` 250 for payment between 61 to 180 days from premium due date and o ` 250 plus 8.0% interest p.a. for deposits after 180 days of premium due date) The Policyholder produces an evidence of insurability at his/her own cost which is acceptable to the Company; and The revival of the rider shall take effect only after revival of the Rider as per board approved underwriting policy and the same is communicated to the policyholder in writing. If a lapsed Rider is not revived within the abovementioned revival period, the rider shall be terminated and no value is payable to the policyholder. The revival of the rider shall take effect only if the base policy is in force or has been revived (if it was lapsed) Please note that after the revival period is over, the policyholder can apply for a fresh rider. Surrender Benefit Non Forfeiture Options Premium at sample modal points (in `) Not Applicable Not Applicable Premium rates for the rider for a base plan with annual premium of ` 25,000
3 Age of the Term of the Payor Rider (in years) Policyholder (Male) , ,004 1,491 2, ,001 1,641 2,451 NA 45 1,684 2,747 NA NA Age of the Term of the Payor Rider (in years) Policyholder (Female) ,031 1, ,385 1, ,438 2,156 3, ,435 2,379 3,601 NA 45 2,442 4,056 NA NA The rider premium shall, in no case exceed 30% of premiums payable under the base policy. The mode of the rider is same as that of the base policy. In case of non annual modes, modal factors will apply as per base plan. Please note that the premiums are higher for female lives. Events Death of Policyholder How and when benefits are payable Waiver of premiums (including the premiums of any other attached rider(s), if any) from the premium due date falling after the Date of Death. Size of such benefit/policy monies Waiver of future premium payable under the base policy (including the premiums of any other attached rider(s), if any) until maturity of this rider. Premiums of riders issued after the commencement of Payor rider will not be included in the death benefit. Benefits Payable Total Disability of Policyholder Waiver of premiums (including the premiums of any other attached rider(s), if any) retroactive to the date of disability. Waiver of future premium payable under the base policy (including the premiums of any other attached rider(s), if any) until maturity of this rider. The Disability must continue for a period of at least 6 months (180 days) from the date of diagnosis of disability by a registered medical practitioner before any premiums become eligible to be waived. Premiums of riders issued after the commencement of Payor rider will
4 Surrender On the day of surrender Nil Lapse On the day of Lapse Nil not be included in the disability benefit. Benefit during Reduced Paid Up Status For the purpose of the benefits defined above, Total Disability refers to the policyholder becoming permanently and totally disabled as a result of injury or sickness and is there by rendered totally incapable of engaging in any gainful activity or carry out any work, occupation, or profession to earn or obtain any wages, compensation, remuneration or profit. Not Applicable How does the Max Life Payor Rider work for you? Mr. Kumar is a 35 year old salaried professional, is married and the couple has a 4 year old child. He is a responsible person who always takes care of his family. In order to plan for his child s future needs, he buys Max Life Life Partner Plus Limited Pay Endowment to age 75 (UIN 104N029V01) with 10 years payment option. The Life Insured is his child and nominee is his wife. Further, in order to ensure that there is no discontinuity in policy benefits due to his death or disability, he also buys Max Life Payor Rider at a nominal incremental price. Here are the following scenarios that can now happen during the course of the policy of Mr. Kumar Scenario Rider Benefit Policy Benefit Mr. Kumar suffers Total Disability during the policy term Payor Rider benefit gets triggered and company waives all the future premiums payable in the policy. Mr. Kumar continues to enjoy the scheduled benefits of the Base Policy Mr. Kumar dies during the policy term Payor Rider benefit gets triggered and company waives all the future premiums payable in the policy. The Life Insured or Nominee is has no obligation to pay any further premiums The policy runs as if all the premiums have been paid and his family enjoys all the benefits as scheduled in the Base Policy
5 Few important terms and conditions: (For other terms and conditions, request your Agent Advisor or intermediaries for giving a detailed presentation of the product before concluding the sale). Tax Benefits: You may be entitled to certain tax benefits on your premiums and policy benefits. Please note all the tax benefits are subject to tax laws prevailing at the time of payment of premium or receipt of benefits by you. Statutory impositions: Premiums payable and benefits secured under your policy will be subject to applicable statutory levy, cess and taxes including service tax at the prevailing rates and Policyholder will be responsible for paying these statutory impositions. Suicide Exclusion: If the life assured under this rider dies by suicide, whether sane or insane, within one year from the commencement date of the rider or from the date of revival, the rider coverage shall cease. In such an event, the Company will refund the premiums paid (inclusive of extra premiums if any but exclusive of service tax) from the commencement date of the rider or from date of revival (in case of revival) with interest at prevailing rate (currently 8% p.a.) compounded annually. Other Exclusions: Notwithstanding anything to the contrary stated herein, the benefit under this Rider will not be available if the Total Disability or Death of the Policyholder occurs from or is caused by, either directly or indirectly, voluntarily or involuntarily, any of the following, viz., i. suicide or attempted suicide or intentional self-inflicted injury, by the Policyholder, whether sane or not at the time. ii. the Policyholder being under the influence of drugs, alcohol, narcotics or psychotropic substance, not prescribed by a Registered Medical Practitioner. iii. war (declared or undeclared), invasion, civil disturbance or civil commotion, rebellion, riots, revolution or any warlike operations. iv. participation by the Policyholder in a criminal or unlawful act and/or the Policyholder committing any breach of law. In addition to the suicide exclusion mentioned above, exclusions of base policy will also apply. Full Disclosure & Incontestability: We draw your attention to Section 45 and statutory warning under Section 41 of the Insurance Act 1938 as amended from time to time which reads as follows: Section 45 of the insurance Act, 1938 as amended from time to time states that: (1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e. from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy whichever is later. (2) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees of the insured the grounds and materials on which such decisions are based. Explanation I For the purposes of this sub-section, the expression fraud means any of the following acts committed by the insured or by his agent, with the intent to deceive the insurer or to induce the insurer to issue a life insurance policy:
6 a) the suggestion, as a fact of that which is not true and which the insured does not believe to be true; b) the active concealment of fact by the insured having knowledge or belief of the fact; c) any other act fitted to deceive; and d) any such act or omission as the law specially declares to be fraudulent. Explanation II Mere silence as to facts likely to affect the assessment of the risk by the insurer is not fraud, unless the circumstances of the case are such that regard being had to them, it is the duty of the insured or his agent, keeping silence to speak, or unless his silence is, in itself, equivalent to speak. (3) Notwithstanding anything contained in sub-section (2) no insurer shall repudiate a life insurance policy on the ground of fraud if the insured can prove that the mis-statement of or suppression of a material fact was true to the best of his knowledge and belief or that such mis-statement of or suppression of a material fact are within the knowledge of the insurer: Provided that in case of fraud, the onus of disproving lies upon the beneficiaries, in case the member is not alive. Explanation A person who solicits and negotiates a contract of insurance shall be deemed for the purpose of the formation of the contract, to be the agent of the insurer. (4) A policy of the life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees of the insured the grounds and material on which such decision to repudiate the policy of life insurance is based: Provided further that in case of repudiation of the policy on the ground of misstatement or suppression of a material fact, and not on the ground of fraud, the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal representatives or nominees of the insured within a period of ninety days from the date of such repudiation Explanation For the purposes of this sub-section, the mis-statement of or suppression of fact shall not be considered material unless it has a direct bearing on the risk undertaken by the insurer, the onus is on the insurer to show that had the insurer been aware of the said fact no life insurance policy would have been issued to the insured. (5) Nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal. Prohibition of Rebates: Section 41 of the Insurance Act, 1938 as amended from time to time states: (1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer:
7 Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. (2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees. Nomination: This being a rider, the nomination under this rider shall be the same as under the base plan. Nomination should be in accordance with the provisions of section 39 of the Insurance Act 1938 as amended from time to time. Assignment: The Rider or the benefit under the Rider cannot be assigned by the Policy Holder independent of the base policy. If the base policy is assigned by the policyholder, the Rider and the benefits under the Rider shall stand assigned along with the base policy. The assignment should be in accordance with the provisions of Section 38 of the Insurance Act 1938 as amended from time to time. Expert Advice at Your Doorstep: Our Agent Advisors have been professionally trained to understand and evaluate your unique financial requirements, and recommend a policy which best meets your needs. With experienced agents, we are fully resourced to help you achieve your life s financial objectives. Please call us today. We would be delighted to meet you. Important Notes: This is only a sales literature. It does not purport to be a contract of insurance and does not in any way create any rights and/or obligations. All the benefits are payable subject to the terms and conditions of the Policy. Issuance of this rider will be subject to Board approved underwriting policy of the Company and the Company reserves the right to impose additional premiums for sub standard lives or reject the proposal. Benefits are available provided all premiums are paid, when they are due. Service Tax and Education Cess would be levied as per applicable laws. Insurance is the subject matter of solicitation Max Life Insurance Company Ltd Registered Address: Max Life Insurance Company Limited, Max House, 3rd Floor, 1 Dr. Jha Marg, Okhla, New Delhi Tel: (011) Corporate Address: Max Life Insurance Company Limited, 11th Floor, DLF Square Building, Jacaranda Marg, Phase II, Gurgaon Tel: (0124)
8 Toll free No. / Customer care no. Call us on our toll free number Website Disclaimers: Max Life Insurance Company Limited is a Joint Venture between Max India Limited and Mitsui Sumitomo Insurance Co. Ltd. Max Life Insurance Co. Ltd., 11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurgaon (Haryana) Benefits are available provided all premiums are paid, as and when they are due. Service Tax, Education Cess and any other statutory levies would be levied as per applicable laws. Life Insurance Coverage is available in this Product. All Rider benefits are subject to rider being in force. Tax benefits are subject to change in tax laws. Insurance is the subject matter of solicitation. Trade logos displayed above belong to Max India Ltd and Mitsui Sumitomo Insurance Co. Ltd. respectively and are used by Max Life Insurance Co. Ltd under a license. IRDAI - Registration No ARN: Max Life/Payor Rider/Web Brochure/September 2015 Visit us at: Contact toll-free numbers: (for MTNL & BSNL lines) or (from other service providers) or SMS Life to BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
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